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How long do I have to add a newly purchased vehicle to my auto insurance policy? |
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 Upon buying a vehicle, the length of time you have to add
it to your auto insurance policy may vary depending on which state you reside in
and who you’re insured with. It can be dangerous to automatically assume that
your coverage will extend to you newly purchased vehicle because it may not
always be the case.Most car dealerships will require one to show proof of coverage prior to leaving the lot. If this is the case, adding a vehicle to your auto insurance policy before you leave the dealer may be the best step to take in order to avoid taking risks. Some dealers will provide coverage for your vehicle for given number of days and require for you to provide proof of coverage within that timeframe once added to your policy. If this is the case, be sure to ask what exact coverage they’re providing throughout that time. Be aware that in most circumstances, they do not provide liability coverage which covers other vehicles. They normally only provide physical damage coverage which only covers the vehicle itself and may leave you liable for damages caused to others in case of an accident. In some situations, auto insurance companies may provide policyholders with extended coverage for they’re newly acquired vehicle for a certain amount of time. This may vary by company and even by states. The most secure thing to do is to contact your carrier and ask them the simple question: “Does my coverage extend to newly purchased vehicles?” This will clarify your coverage concerns and will ensure that you take the proper action prior to driving your purchased vehicle. What if it is after hours and your company is not available for contact? If you cannot wait until they’re available, you may want to consider purchasing another policy for this particular vehicle. OnlineAutoInsurance.com helps consumers compare car insurance online from a variety of carriers and even purchase a policy online. Remember that you should make sure to receive proof of coverage before you decide to drive off. Another situation you may be facing is that your current insurer is asking too much money to add the vehicle. In this case you may also want to obtain auto insurance quotes from other insurers to find cheaper rates and avoid overpaying for coverage. Visit OnlineAutoInsurance.com for more information and help with all your insuring needs. |
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